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More Than Enough | Week 2 | Daniel Goulding | Echoes Church · Rewind

Echoes Church

Daniel Goulding · Nov 3, 2025

Daniel Goulding · Nov 3, 2025 · 37 min watch · 2 min read

More Than Enough | Week 2 | Daniel Goulding | Echoes Church

Devotional days

Day 1
Day 2
Day 3
Day 4
Day 5
Day 6
Day 7

Scripture in this message

Proverbs 11:24
Matthew 6:21
Psalm 24:1
Deuteronomy 8:18
1 Corinthians 4
Proverbs 21:20

Big Idea Key points Application

Big Idea

You are not the owner of your resources but a steward of them, and God is watching to see if you'll be faithful with the little so He can trust you with much.

God owns everything, and He's invited you to steward it well rather than carry the weight of owning it yourself. When you spend wisely, save diligently, and give generously, your life gets bigger, more free, and more aligned with what God wants to build through you.

Key points

1
1God is the owner of everything, not us.
Pastor Daniel says the idea that we are self-made and built our own wealth is contradicted by Scripture. He points to Psalm 24:1, that the earth and everyone in it belongs to God, and Deuteronomy 8:18, that God gives us the very ability to produce wealth.
2
2We are stewards, not owners, and God is looking for faithfulness.
Using the picture of a teenager being reminded the house isn't theirs, Pastor Daniel explains that we're temporarily entrusted with what God owns. He walks through 1 Corinthians 4, where Paul calls believers servants and stewards of God's mysteries, required to be found faithful, and connects this to a coming day of judgment where God asks not only what we did with the invitation of faith but what we did with the resources He entrusted to us.
3
3Faithfulness with little determines whether you're trusted with much.
Pastor Daniel uses the picture of a toddler moving from a suction plate to real plates to grandma's china to show how trust is earned through proven maturity. He ties this to Luke 16:10 and the principle that how you handle anything is how you'll handle everything, arguing that God is watching current stewardship as the greatest indicator of future faithfulness.
4
4Spend wisely, because most of us have a spending problem, not an income problem.
He rattles off statistics on lottery tickets, unused gym memberships, overdraft fees, and Halloween decorations to show how much money is wasted, noting American credit card debt has passed a trillion dollars. He calls people to build a budget and pre-spend their money, appealing to Luke 14:28 about counting the cost before building a tower.
5
5Save diligently, because we can plan for the future even if we can't predict it.
Pastor Daniel cites Proverbs 21:20, that the wise have wealth and luxury while fools spend whatever they get, and shares his own practice of giving 10%, saving 10%, and living on 80%. He applies this to the church's own budget, explaining they've built in savings each month toward a future, more expensive building.
6
6Sow generously, because giving is where stewardship becomes joyful.
He notes that Christians already give more to nonprofits and adopt at higher rates than average, and quotes C.S. Lewis on giving more than we can comfortably spare. He points to 1 Corinthians 16:2 for the practice of setting aside a proportional amount weekly, and lays out two goals: reaching a 10% tithe, then giving beyond it.
7
7Money makes a terrible god but a great tool, and contentment beats comparison.
Pastor Daniel warns from Hebrews 13:5 against becoming lovers of money and points to Solomon's conclusion in Ecclesiastes that contentment, not accumulation, opens up a meaningful life. He closes with the parable of the rich fool in Luke 12, showing that having wealth isn't the problem—having only earthly wealth without a rich relationship with God is.

If you get in alignment with God with your resources, it's amazing how almost every other part of our lives gets into alignment with God as well

Application

Pastor Daniel frames it as moving one percentage point to the right: wherever you are giving now, take one step further.

Build a budget and spend wisely
Sit down, especially with your spouse, and pre-decide where your money goes each month so the budget, not each other, makes the hard calls.
Save diligently rather than spend everything
Follow a give-save-live pattern like giving 10%, saving 10%, and living on the remaining 80%, planning ahead even though you can't predict the future.
Move your giving up one percent
Wherever you currently give, whether 0% or already tithing, take one step further this year toward the goal of a 10% tithe and beyond.
Trade comparison for contentment
Stop chasing the next car, house, or boat for satisfaction, and instead find contentment in God, keeping your heart free from the love of money.

Take it into your week

Rewind AI contributed study material from the sermon transcript; church-authored wording and verified sermon quotes keep their own source. Always trust the sermon itself over anything here. How Rewind uses AI

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Scripture in this message

From the transcript
“It's found in Proverbs chapter 11 verse 24. It says, the world of the generous gets larger and larger. The world of the stingy gets smaller and smaller”
Read the whole chapter →
From the transcript
“Jesus himself, Matthew chapter six verse 21 says that wherever your treasure is, there the desires of your heart will also be”
From the transcript
“Psalms chapter 24 verse one says that the earth is the Lord's and everything in it. The world and all of its people belong to him”
From the transcript
“Deuteronomy chapter eight verse 18 says that, but remember the Lord your God for it is he who gives you the ability to produce wealth”
From the transcript
“This comes from all types of places in the bible, but I think most clearly is first Corinthians chapter four. Paul says that this is how one should regard us”
From the transcript
“It tells me that God is up in heaven with unlimited resources looking and waiting to go, who can I pour out blessing on that is proved that they will be faithful with what I give them? And the greatest indicator of future faithfulness is past faithfulness”
From the transcript
“But Jesus says this in Luke chapter 16 verse 10. Says whoever can be trusted with very little again, love that he puts the description in there, very little”
From the transcript
“Jesus said, Luke chapter 14 verse 28, suppose one of you wants to build a tower, won't you first sit down and estimate the cost to see if you have enough money to complete it”
From the transcript
“Paul says in first Corinthians chapter 16 verse two that on the first day of every week, each one of you should set aside a sum of money in keeping with your income, saving it so that when I come, no collections will have to be made”
From the transcript
“The Bible says in Hebrews chapter 13 verse five that you gotta keep your lives free from the love of money and be content with what you have”
From the transcript
“is found in Luke chapter 12, probably my favorite parable that Jesus tells when it comes to this idea of money. I think it's a beautiful picture. Jesus tells the story two thousand years ago”

Rewind AI contributed study material from the sermon transcript; church-authored wording and verified sermon quotes keep their own source. Always trust the sermon itself over anything here. How Rewind uses AI

7-day devotional

A personal reading plan from this message — scripture, reflection, and prayer for each day.

Sign in to track your progress through this devotional.

Day 1

Pastor Daniel started where every honest conversation about money has to start: "The earth is the Lord's, and everything in it." Not most of it. Not the part we tithe and call God's while the rest stays ours. All of it belongs to Him — including the paycheck you worked hard for, the home you saved toward, the skills that earned the income. The sermon named the lie quietly at work in most of us: that we are self-made, that what we hold is ours by right. Scripture tells a different story. We are not owners; we are stewards entrusted, temporarily, with what belongs to Someone else. That reframe is freeing if you let it be. If it is all His, then I am not carrying the weight of building an empire — I am managing a trust on behalf of a generous God. Today is just about letting that truth settle. Before you make a single budgeting decision this week, sit with the question of ownership. Whose is it, really? When you can answer honestly, every financial decision after that becomes a spiritual one.

For reflection

Where in my life have I been quietly living as an owner rather than a steward?

Pray

Thank God for His ownership of all you have, and ask Him to loosen your grip on what was never truly yours.

Day 2

Yesterday we saw that God owns it all. Today Paul gives us our job description: "Now, a person who is put in charge as a manager must be faithful." Pastor Daniel pointed out that the one requirement of a steward is not brilliance, not a high income, not a perfect track record — it is faithfulness. That should come as relief to anyone who has felt behind, anxious, or unsure where to start. God is not measuring you against someone with more. He is asking whether you are faithful with what He has placed in your hands right now. Faithfulness is wonderfully within reach. It does not require you to first become wealthy or financially sophisticated. It asks only that you handle today's resources as someone who answers to God. The bar is honesty and care, not perfection. So as this week unfolds and you start to build a budget or rethink your giving, hold onto this: the goal isn't impressing anyone or proving yourself. It's simply being found faithful with what is His.

For reflection

If God evaluated my stewardship today, would He find me faithful with what I currently have — not with what I wish I had?

Pray

Ask God to grow in you a steady, ordinary faithfulness with what He has already entrusted to you.

Day 3

"If you are faithful in little things, you will be faithful in large ones." Pastor Daniel pressed on a line that's easy to skim past: how you handle anything is how you will handle everything. We tend to think faithfulness will arrive when the stakes get bigger — when the raise comes, when the debt clears, when there's margin to be generous. Jesus says it works the other way. Faithfulness with very little is what qualifies us to be trusted with much. The small, unglamorous decisions — the unwatched spending, the quiet integrity, the gift no one sees — are not too small to matter. They are exactly where character is formed. This isn't a test you pass or fail to earn God's love; you already have that in Christ. It's an invitation to let your heart be shaped now, in the small things, so you're ready for whatever He entrusts next. Don't despise the size of what's in front of you today. The little is the training ground.

For reflection

What "little thing" in my finances have I been treating as too small to matter to God?

Pray

Pray for faithfulness in one small, specific financial habit this week, trusting God with what it shapes in you.

Day 4

"Don't begin until you count the cost." Jesus paints a picture of someone who wants to build a tower but never sits down to figure out whether he can finish it. Pastor Daniel drew the obvious application: good stewards spend wisely, and that begins with the deeply unspiritual-sounding act of building a budget. But here's the reframe the sermon offered — a budget is not just math. Every spending decision is a spiritual decision, an act of worship that reveals what we value. When you sit down to count the cost, you're not just managing dollars; you're declaring that this money is God's and you intend to handle it as His. There's nothing legalistic about it. A budget is simply a plan that lets your spending match what you say you believe. Many of us avoid it because it forces honesty. But honesty before God is exactly where freedom begins. This week, take the practical step: sit down and count. Treat it not as a chore but as worship.

For reflection

Does the way I actually spend reflect what I claim to value most?

Pray

Ask God for honesty and courage as you sit down to plan your spending as an act of worship.

Day 5

"The wise have wealth and luxury, but fools spend whatever they get." Pastor Daniel named saving as the second mark of a good steward — not out of fear or hoarding, but out of wisdom. To plan for the future is to acknowledge that an unforeseeable tomorrow shouldn't be allowed to derail what God is doing in your life. Spending every dollar the moment it arrives leaves no margin for the unexpected, and the unexpected always comes. Now, the sermon was careful here, and so should we be: saving is wisdom, not anxiety, and financial pressure is real and human, not a verdict on your worth. If margin feels impossible right now, that's not a failure of faith — it's a season, and seasons change. The principle still stands as something to grow toward. Set aside what you can. A steward who plans ahead is simply taking seriously that the resources are God's and the future is His too. Wisdom doesn't mean fearing tomorrow; it means stewarding today so tomorrow doesn't undo it.

For reflection

What's one small, realistic step I could take toward saving — not from fear, but from wisdom?

Pray

Pray for wisdom to plan ahead and for peace about a future that belongs to God.

Day 6

"On the first day of each week, you should each put aside a portion of the money you have earned." Pastor Daniel pointed to the heart of stewardship: good stewards sow generously, surrendering the first fruits rather than the leftovers. He named the tithe — 10% — not as a ceiling but as a floor, a baseline from which radical, above-and-beyond generosity can grow. And he was clear that this isn't about an amount on a page; it's about where your heart is. "Wherever your treasure is, there the desires of your heart will also be" (Matthew 6:21). Giving first, before the rest gets spent, is how we keep our hearts tethered to God and to what He's doing in our city and beyond. Giving is private between you and God, so this isn't about comparison or public accounting. It's an invitation: as you release the first fruits, you position your heart to receive and to partner with God's generosity. If giving generously feels like a stretch, start somewhere and grow. The direction of the heart matters more than the size of the gift.

For reflection

What would it look like for me to give first — from the first fruits — rather than from what's left over?

Pray

Ask God to align your heart with His generosity and to show you a faithful next step in giving.

Day 7

Jesus told of a rich man whose barns overflowed, who said to himself, "I'll sit back and enjoy." But God called him a fool — not because he was wealthy, but because he stored up earthly treasure while being "not rich toward God." That's the warning that anchors everything Pastor Daniel taught this week. Spending wisely, saving diligently, and sowing generously aren't ends in themselves. The goal was never just financial health; it was spiritual alignment — a heart surrendered to the God who owns it all. Look back over the week. We started with God's ownership, moved through faithfulness, faithfulness in little, wise spending, wise saving, and generous giving. Each step circles the same center: a life that is rich toward God instead of rich only in barns. "I have learned to be content with whatever I have" (Hebrews 13:5) — that's the freedom on the other side of surrender. So take the concrete steps this week, yes. But more than that, let them realign your heart. True life isn't found in what you store up. It's found in the One who entrusted it to you in the first place.

For reflection

Am I building bigger barns, or am I growing rich toward God — and what's one step that moves me toward the latter?

Pray

Pray for a heart that is rich toward God, content in His provision, and free to live and give generously.

Rewind AI contributed study material from the sermon transcript; church-authored wording and verified sermon quotes keep their own source. Always trust the sermon itself over anything here. How Rewind uses AI

Small-group discussion guide

For leading a group conversation about this message.

Open

Most of us have made a money decision this past month without ever thinking of it as a spiritual one. This message invites us to look again at what our finances reveal about our hearts.

Discussion questions

1
Psalm 24:1 says the earth and everything in it belongs to the Lord. How does seeing God as the true owner of everything change the way we think about what we call "ours"?
2
In 1 Corinthians 4:1-2, the one thing required of a steward is faithfulness. What does it look like for people to be faithful with what God has entrusted to them?
3
Jesus says in Luke 16:10 that whoever is faithful in little will be faithful in much. Why might how we handle small things reveal so much about how we'd handle more?
4
Pastor Daniel described every spending decision as an act of worship, drawing on Luke 14:28 and the call to count the cost. How might that perspective reshape the ordinary, everyday choices people make with money?
5
In the parable of the rich fool in Luke 12:16-21, a man stores up wealth but is not rich toward God. What warning does this story hold out for us, and where do we see that pull in our culture today?
6
Matthew 6:21 says that where our treasure is, there our hearts will be also. How might this truth shape the way we partner with what God is doing in this city and beyond?

Pray together

Thank God that everything we have comes from His hand, and ask Him to grow in us hearts that are faithful, content, and ready to be generous as we follow Jesus.

Rewind AI contributed study material from the sermon transcript; church-authored wording and verified sermon quotes keep their own source. Always trust the sermon itself over anything here. How Rewind uses AI

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Topics

Financial Decisions Generosity God's Blessing Stewardship Tithing

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